You can also use your rewards to pay your mortgage or a student loan held by Citi. Redeemingīoth cards have multiple options for redeeming your cash back (including a statement credit or direct deposit) or points through the cards’ respective rewards portals.Ĭiti Double Cash: You can cash in your rewards for a statement credit, direct deposit, travel rewards and gift cards. While you can earn slightly more on all non-bonus spending with Citi than with Chase, the 3% rate on dining and drugstores will likely edge out Citi Double Cash for most cardholders. However, be aware that the bonus is only available to new cardholders and only if you have not collected a sign-up bonus for the same card within the past 24 months. This welcome bonus could potentially be worth up to $300. This is the first time in a long while that we have seen a welcome bonus on this card.Ĭhase Freedom Unlimited: This card is offering a welcome bonus of an additional 1.5% back on all purchases within the first year, up to $20,000 in total spending. Right now, you can earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. Unlimited access to your credit score and credit information through Credit Journey zero liability protection for unauthorized purchases purchase protection (up to $500 per claim with a maximum of $50,000 per account) extended warranty protection three months of DashPass.Ĭiti Double Cash: This card has a limited-time offer. None if you only hold the Chase Freedom Unlimited or 14 if you also hold a premium Chase card.Īccess to special events through Citi Entertainment Citi Identity Theft Solutions Lost Wallet service 24-hour fraud protection zero liability purchase protection against unauthorized charges digital wallet capabilities. Travel booked through the Ultimate Rewards portal, dining (including takeout and eligible delivery services), and drugstores.ģ if you only hold the Double Cash or 18 if you also hold a premium Citi card. Comparing Citi Double Cash and Chase Freedom UnlimitedĮarn $200 cash back after you spend $1,500 on purchases in the first six months of account opening.Įarn an additional 1.5% on all purchases up to $20,000 within the first year (value of up to $300 cash back).Ģ% cash back on purchases: 1% when you use the card and 1% when you payĥ% back on travel booked through Chase Ultimate Rewards 3% on dining (including takeout and eligible delivery services) and at drugstores 1.5% unlimited on all other purchases. How do these cards compare to each other? Which one makes it easiest to rack up the cash rewards fast? We’ll take a look at how two of the best credit cards stack up in a head-to-head comparison. Both cards also allow you to convert your cash back into valuable transferable points for even more value. While the Citi Double Cash earns a higher rate of 2% back (1% when you buy and 1% as you pay) compared to 1.5% on the Chase Freedom Unlimited, the latter can make up for that with even higher rates in certain bonus categories (up to $20,000 spent in the first year). New to The Points Guy? Want to learn more about credit card points and miles? Sign up for our daily newsletter and download the free TPG app!īoth of these cards offer very good cash-back rates on everyday purchases. But with offerings such as the Citi® Double Cash Card and the Chase Freedom Unlimited from two top credit card providers, you can earn cash back without paying for the privilege. You might think you need to pay an annual fee to get a good rewards credit card. We may make an exception if it's truly unique and helpful.Update: Some offers mentioned below are no longer available. Self-promotional posts must be pre-approved by a mod. Spamming other users will get you banned. This includes any behavior that could be deemed fishing for referrals. Don't post them don't hint at offering them don't ask for them. This applies to any posts where we suspect anything potentially illegal or fraudulent, and may include buying/selling tradelines. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests CreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service
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